Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description:

EarthSpark International is a nonprofit organization dedicated to eradicating energy poverty in Haiti with innovative technology and financing solutions. By expanding market access for lower-income Haitians, the organization is putting affordable, portable solar lighting and improved cookstoves in the hands of people who need it most.

Today, 75% of Haitian households are forced to rely on toxic and expensive fuels, such as kerosene, for energy. While some alternatives do exist, most rural Haitians cannot afford the upfront costs of purchasing them, nor can they cover the costs of traveling to urban centers where they are sold. When made affordable, solar technologies are a promising alternative for lighting, where the norm in rural Haitian communities is kerosene. For cooking, improved cookstoves that use pressurized kerosene are a drastic improvement over the household norm, which is charcoal.

 The organization aims to build supply chains for small-scale clean energy technologies. Given that off-the-grid households spend an average of 25% of their incomes on dirty, low-quality sources of energy, these technologies have the opportunity to radically improve people’s quality of life while saving them money in the long run.

EarthSpark’s supply chains connect manufacturers, importers, distributors and end users. It does this by providing goods through both brick and mortar stores and a network of small-scale entrepreneurs. Its first store, based in Les Anglais, Haiti, sells a range of clean energy products, from solar light bulbs to improved cookstoves.

EarthSpark’s stores also serve as hubs for the micro-entrepreneurs selling the nonprofit’s products. After training, these men and women are each provided with a business-in-a-bag, which includes marketing materials and product guides. Entrepreneurs who sell these products can generate enough additional income to run self-sustaining businesses. 

EarthSpark and Kiva

By partnering with Kiva, EarthSpark will be able to expand its business-in-a-bag model and get clean energy products to rural, lower-income households in Haiti. When you lend to an EarthSpark entrepreneur, the loan pays for the business-in-a-bag startup kit. The borrower then pays back the loan with profit generated from sales. Every time this happens, their business gets bigger and stronger. EarthSpark joined Kiva through our Basic Partnership Program and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner pose a higher level of risk than typical Kiva loans.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Dec 6, 2012 Oct 12, 2005
Total Loans $196,250 $752,848,725
Amount of raised Inactive loans $0 $599,775
Number of raised Inactive loans 0 1,439
Amount of Paying Back Loans $114,600 $132,824,900
Number of Paying Back Loans 370 155,132
Amount of Ended Loans $81,650 $619,424,050
Number of Ended Loans 148 767,679
Delinquency Rate 7.40% 7.98%
Amount in Arrears $8,160 $6,876,124
Outstanding Portfolio $110,332 $86,206,157
Number of Loans Delinquent 342 22,923
Default Rate 3.02% 1.26%
Amount of Ended Loans Defaulted $2,468 $7,794,167
Amount of Ended Loans $81,650 $619,424,050
Number of Ended Loans Defaulted 8 21,130
Currency Exchange Loss Rate 0.40% 0.33%
Amount of Currency Exchange Loss $785 $2,478,516
Refund Rate 0.00% 0.66%
Amount of Refunded Loans $0 $4,973,325
Number of Refunded Loans 0 5,474

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 57.28% 74.49%
Average Loan Size $379 $415
Average Individual Loan Size $379 $649
Average Group Loan Size $0 $1,848
Average number of borrowers per group 0 7.9
Average GDP per capita (PPP) in local country $1,300 $5,950
Average Loan Size / GDP per capita (PPP) 29.14% 6.98%
Average Time to Fund a Loan 3.85 days 6.63 days
Average Dollars Raised Per Day Per Loan $98.30 $62.61
  Average Loan Term 60.17 months 10.85 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1,616 371,342
  Journaling Rate 38.10% 41.21%
  Average Number of Comments Per Journal 0.00 0.06
  Average Number of Recommendations Per Journal 0.00 1.49

Borrowing Cost Comparison (based on 2011 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR 51.00% PY 30.60% PY
  Profitability (return on assets) -70.1% 4.2% -1.87%
  Average Loan Size (% of per capita income) N/A 95.00% 19.24%

Country Fast Facts

Field Partner Staff

Allison Archambault
Emily Clark
Alex Fisher
Brian Gurr
Rachel McManus
Yverose Milien
Ian Muir
Dan Schnitzer